Corporate cash flow — French SMEs
Vigie Rendoire analyzes your net cash position and allocates your surplus to supports adapted to your risk profile, without daily manual intervention.
Distribution as an example. The actual allocation depends on your WCR and your cash flow horizon.
The observation
A large part of SME cash surpluses remains in uninteresting current accounts, out of prudence or lack of time to choose between available supports. Manual analysis of WCR, forecast flows and investment options requires financial skills that not all structures have internally.
Result: surpluses immobilized for several months, sometimes several quarters, without formalized arbitration. Vigie Rendoire automates this analysis so that the allocation decision no longer depends on the availability of a management controller.
Illustration of the arbitration principle, excluding actual performance data.
Operation
The platform observes your incoming and outgoing flows, estimates your short-term liquidity need and adjusts the allocation of available surpluses accordingly.
The identified surpluses are distributed among selected supports according to your cash flow horizon and your risk tolerance, without manual validation for each movement.
Each position is reassessed as your forecast flows evolve, in order to adjust exposure before a liquidity need becomes binding.
Net cash flow, estimated WCR and current yield are presented on a single table, updated at each bank synchronization.
Methodology
Each step is documented so that you can understand, and if necessary challenge, an allocation recommendation.
Read-only sync with your business bank accounts to get historical feeds.
The model calculates a forecast working capital requirement based on the seasonality of your receipts and disbursements.
Cash available beyond the WCR and a safety margin defined by you is identified as allocable.
The surplus is distributed among the selected supports, then readjusted for each significant variation in your flows.
The approach
Vigie Rendoire is not a trading tool. The objective is to limit the unnecessary immobilization of cash while preserving the liquidity necessary for your operation. The model favors the preservation of capital over the search for maximum return.
Use cases
The surpluses generated each month after payment of fixed deadlines are automatically placed on low-risk supports, maintaining a safety margin defined with you.
For cash intended for an investment over a period of 6 to 18 months, the model favors liquid and low volatility supports, which can be mobilized without significant penalty.
When forecast flows become more uncertain, the allocation is automatically redirected towards supports with immediate liquidity.
Frequently asked questions
The connection is made via a read-only banking aggregator. Vigie Rendoire consults the history of your flows but does not have any rights to execute transfers.
The supports selected by default favor liquidity. A security threshold, which you define, remains systematically excluded from any allocation.
The model is based on the history of your bank flows, the seasonality of your activity and the risk parameters that you provide. Each recommendation is accompanied by a summary of the factors considered.
Banking connection and initial risk profile setup takes approximately one minute. The first recommendations are available as soon as the feeds are synchronized.
Yes. Each allocation can be modified or suspended from the dashboard, without notice.
The banking connection and the configuration of your risk profile are done in a single session, without prior appointment.
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